A declined payment doesn’t always have to mean $0 collected.
Intro XL now supports PaySuccess, the partial-authorization capability of Payliance’s PayYield platform. When a borrower can’t cover the full scheduled debit payment, PaySuccess can authorize and collect the available partial amount instead of failing the transaction outright.
What does that look like?
A borrower owes $250, but only $150 is available. Instead of a declined transaction and $0 collected, the lender collects $150 now.
The borrower gets credit for a real payment, and your team has less left to recover. Across a portfolio, PayYield delivers ~16% more repayment dollars cleared, modeled across actual portfolio data. Results vary by portfolio composition.
PayYield also lowers what you pay to accept the payments that do clear: up to 65%+ lower interchange, with typical savings running 20–30%. Not all lenders qualify.
How much could your portfolio recover?
Let’s walk through how PaySuccess and PayYield work with Intro XL and whether it’s a fit for your payment program.
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